Financial services
SME Finance
For clients ready to expand their enterprise, its sales and its turnover.
About SME Finance
SME Finance serves the increased credit needs of clients who want to expand their enterprises and increase their sales and turnover. These loans are extended in commerce and trading, manufacturing, handicraft and the services sector.
- Commerce and trading
- Manufacturing
- Handicraft
- Services
- Loan amount
- PKR 200,000 – 500,000
- Tenure
- 12–36 months
- Repayment
- Equal monthly instalments
- Lending
- Individual
Eligibility and terms
Who can apply, and on what terms
Eligibility criteria
- Aged 21 to 63 years
- Holding a valid CNIC
- At least 2 years of business experience
- Permanent resident of the local area
- Positive creditworthiness under JWS Pakistan's criteria
Terms
- Lending methodology
- Individual
- Guarantee
- Guarantor required / post-dated cheque
- Loan repayments
- Equal monthly instalments
- Tenure
- 12–36 months
- Loan insurance
- Client and spouse credit life insurance
Terms as published by JWS Pakistan. Final amounts and terms depend on the assessment at the branch.